Stephen P Galib offers financial planning and investment advice to individuals, estates, and trusts. He analyzes clients' financial needs and provides advice on budgeting, insurance, investments, estate planning, and retirement/college planning. He recommends strategic asset allocation using mutual funds and ETFs, and may suggest tactical adjustments based on market conditions. Stephen P Galib does not manage client assets or execute trades, but rather provides recommendations and supports clients in making their own investment decisions.